Hard Money Lenders in Bell California

www.hardmoneyloop.com finds a list of hard money lenders In Bell California. http Private real estate investors database ,compare hundreds hard money mortgage loans commercial residential and vacant land. To improve the quality of your property get fantastic landscaping design at www.yaellandsca...



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When Do I Refinance? What Rate Am I Looking For? Buying A

www.RogersMortgageLender.com Learn when is the bast time to refinance my home Maple Grove MN, Elk River Mortgage



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Don't Buy Or Refinance A Home Until You See This!!

We offer you the best rates with up to four qualified loan offers from reputable mortgage companies competing for your business. Submit your request to refinance or purchase a home on our secure site and you will receive multiple offers from our network of reputable mortgage companies and lenders. You simply choose the best offer



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Home Ownership Accelerator - Mortgage Magic

If you could pay off your mortgage in HALF the time, save THOUSANDS in interest and build equity much FASTER, all with NO change to your current spending habits, you'd want to learn how, wouldn't you? This is accomplished through a simple method of combining your checking account, home loan and home equity line of credit into one master Loan Sweep Account. The account automatically applies all your deposits toward your mortgage balance each day, thus reducing interest, and you retain complete access to your funds just as with any checking account. These accounts allow homeowners to reduce debt more aggressively and your income effectively lowers your monthly balance, saving YOU interest. That saved interest then goes toward extra principal payments, further reducing your balance, and saving more interest. This compounds each month, saving years off your mortgage and thousands in interest. It's simple and effective. Visit www.MortgageMagic.com and view the short video for details.



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iSkysoft DVD Copy for Mac

www.auto-loan-refinance.net iSkysoft DVD Copy for Mac is a powerful Mac DVD copy software, DVD backup, Mac DVD burner that can copy DVD movies(D9 to D9, D5 to D5) with the entire movie in 1 ratio perfectly. The DVD copy for Mac is able to copy DVD to DVD, backup or burn the entire movie from DVD to DVD. It can even remove DVD protections such as CSS, RC and RCE and lets you share or convert DVD movies without any limitation on Mac OS X (include leopard). more: digi.auto-loan-refinance.net



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Refinance Mortgage Rates Online

If you're in the process of refinancing your home mortgage loan there are several things you need to know about the mortgage rate quotes you receive. Nearly all mortgage quotes have markup built into them to give the person arranging your loan a commission. If you want the lowest possible mortgage rate and payment amount you must avoid this commission based markup of your loan. Here are several tips to help you find the lowest possible refinance mortgage rates.

Mortgage Brokers vs. Banks

Should you use a mortgage broker to arrange your new home loan or refinance with your bank? First of all, banks are exempt from the Real Estate Settlement Procedures Act in the United States and you'll never get Par refinance mortgage rates taking out a home loan from your bank. Second, mortgage brokers alone have access to par refinance mortgage rates but most will not give you this rate since they build their commission into your quote.

What are par refinance mortgage rates you ask? Simply put par mortgage rates do not require you to pay points to qualify and do not create a commission for the broker in the form of Yield Spread Premium. This commission known as Yield Spread Premium is the number one reason people overpay for their home loans. Avoid this commission based markup and you'll save thousands of dollars every year that you keep the loan.

Finding The Right Mortgage Broker

Getting par refinance mortgage rates isn't as difficult as you think; you don't have to be a financial guru or be "connected" to find the right mortgage broker. Look for brokers that are self-employed and working out of their homes. These brokers do not employ expensive sales staff, work from posh office spaces or drive company hummer's plastered with their company logo. As a result they don't have the overhead of these other mortgage brokers and are going to be far more likely to negotiate the deal you're looking for. Remember you're looking for par mortgage rates that you can only find from a self-employed mortgage broker.

Beware Mortgage Junk Fees

There are a number of junk fees in addition to Yield Spread Premium that you need to beware of. The first is a mortgage rate lock fee. There are no mortgage lenders out there that charge a fee for locking in your mortgage rate. If your broker charges you a rate lock fee this is a sign you are dealing with a dishonest mortgage broker and should find someone else to arrange your loan. Other common junk fees include broker courier fees and loan processing fees.

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FHA Leads - Lead Planet

Lead Planet is a direct lead company offering FHA mortgage leads and FHA home loan leads for purchase or refinance nationwide. FHA stilll offers cash out refinancing to 95% and Hope for Homeowners provides mortgage relief for distressed homeowners. Lead generation specialist, Bryan Dornan...



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Money Merge Account Mortgage Accelerator Clip ch

Clip of Nationally Syndicated Consumer Advocate Clark Howard, Discussing Money Merge Account Equity Accelerator Mortgage Fraud.



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Car allowance Quotes | Compare Auto & Car allowance Rates Get bargain car allowance Online Now

If drivers who have taken a drivers education or safety course have fewer accidents, an insurer may discount that. Likewise, some cars are cheaper to repair, or do not get involved in high claims accidents. Those vehicles will cost less to insure. Insurance companies try to use their past...



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Should You Consider a Mortgage Refinance to Help Your Business?

If you own your own home and have for some time now, you know that with mortgage rates, principals, and terms constantly being in flux due to the state of the economy, things like a mortgage refinance can help out not only your family but your budget as well. One thing that you might be considering is a mortgage refinance to either help start or expand your business. But the question then becomes: should you actually do it?

Consider this for just a moment: a mortgage refinance is never guaranteed. You have to remember that just like any loan, applying for a reduction in interest, payments, and length of time, is not a guarantee of getting what you want. It is a negotiation, just like almost anything else with your bank. As such, you need to be very careful and be sure that you understand the terms of the current mortgage you have now and have enough time to compare that one with a refinancing up that you may get from your bank.

This is doubly important if you're considering doing this to start up your own business. Remember that with starting your own business, you will in fact be paying for more things, such as licensing fees, web hosting, office space if necessary and other expenses on top of your regular mortgage. In short, you need to make sure that your budget will be able to handle the business that you are thinking about starting.

If you're considering a mortgage refinance to help expand your business or to help get it out of a bad financial situation, should also be careful about how you negotiate. You need to make sure that the new mortgage that you end up with, is better all the way around for both your budget as well as your business. In short, doing something like this can in fact help your business but you need to ensure that your business and your finances will be able to handle the new results.

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Mortgage Refinance Rates in 2010

Right now, many homeowners are considering refinancing their mortgage. The one thing that all homeowners want when refinancing is a low interest rate. Right now, interest rates are near all time lows, but I think that will change. Here are my mortgage refinance rate predictions for 2010.

Throughout 2009, mortgage interest rates have been very low. This was due to a few factors. The housing market was in a downward spiral, and need help. Many homeowners got into ARM (Adjustable rate mortgages) which they need help with. Also, new Government programs are out which can help millions of homeowners. This has led to an all time high number of foreclosures. This is why interest rates remained low throughout 2009.

While the rates are as low as they are, many homeowners can take advantage and refinance their home loan. This can result in huge savings in monthly payments and even more over the course of the loan. Also, this may be the only way a homeowner can get an affordable home loan, and save their home from foreclosure.

Right now a typical interest rate for a fixed mortgage refinance is around 5.19%. This is dramatically lower than interest rates were just 5 years ago. This has led to many people getting a refinance for their home loan. However, I do not think the rates will remain the same in 2010 for homeowners looking into refinancing.

I think that in 2010, mortgage refinance rates will go up. While not dramatically, especially at first, homeowners will definitely notice, and some may not be able to benefit from a refinance after the rates increase. I think that around April 2010, interest rates will rise about.5%. While not a huge increase, it is a lot in the long run of a home loan. Also, I think rates will increase again, by as much as an additional.5%, closer to August 2010. This would bring the total mortgage refinance rate to as high as 6.19% by September 2010. That is a 1% increase from the current rates.

I think that this will happen due to increased activity in the housing market, and small improvements in the overall economy. The better things get, the higher interest rates will go. I also think that the housing market has bottomed out, and recovery will start soon. This will cause a boon in the housing market, and restore homes market values. As a result, interest rates will rise, and homeowners will pay thousands more over the course of a home loan.

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Mortgage Refinancing - How to Negotiate With Your Mortgage Company

Negotiating with your loan representative when mortgage refinancing is much more than haggling over interest rates. Your mortgage company needs to accept your terms before you agree to their loan. Didn't know you had terms for your mortgage company? Here are several tips to help you negotiate with your loan representative when choosing a company or broker for mortgage refinancing.

If you're in the process of mortgage refinancing choosing the right lender is one of the most important aspects of your new loan. There are several types of lenders you need to avoid when mortgage refinancing, namely banks and broker banks. Banks and Broker-Banks are exempt from disclosure laws that protect homeowners from abusive lending practices. Never refinance your mortgage loan with a Bank or Broker Bank.

Once you have a mortgage company or broker that you're considering there are a number of things you need to discuss with the loan representative. First, tell that person you will pay 1-1.5 percent of the loan amount for the origination and a reasonable loan processing fee. Your loan processing fee should be no more than $400. Next, tell your loan representative that you will not pay any retail markup of your mortgage interest rate. This markup of the interest rate by your mortgage company is called Yield Spread Premium.

Mortgage companies and brokers mark up your interest rate because they receive a bonus from the wholesale lender for overcharging you. For every quarter point you agree to overpay the wholesale lender pays your mortgage company or broker 1% of your loan amount as an incentive for marking up your interest rate. How can you tell if your mortgage rate has been marked up? After you tell your loan representative you will not pay Yield Spread Premium, ask to see the lock agreement from the wholesale lender. Compare this lock to the one your mortgage company provides you and you'll see any markup of your interest rate.

You can learn more strategies for mortgage refinancing while avoiding costly mistakes by registering for a free six-part video tutorial.

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California Mortgage New Rules of Mortgage Lending Vol. 1

homeloanvideo.com How to get home loan approval and buy or refinance your California home. David Cary California Mortgage Broker http



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Real Estate Downfall

The Housing Bubble bursts on a speculator. Parody using a clip with Hitler as the real estate investor. He bought a house to flip, faces foreclosure, and now wants to get bailed out. Parody Fair Use of clip. See: www.publaw.com/parody.html



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Money Saving Home Mortgage Refinance Advice

Refinancing a home mortgage can save you a lot of money if you are able to get a acquire deal on a new loan. However, there are a few things you can do to help avoid costly mistakes in the refinancing process. I have included several tips which will help you avoid the common costly mistakes that can occur in a refinance.

Caution: Be Aware of Yield Spread Premiums

The majority of homeowners are completely unaware of a Yield Spread Premium, what it is, or that they have been paying it since buying their house. Basically, the yield spread premium is your mortgage lenders or brokers commission on your loan. They broker or lender will add to your interest rate to pay their commission.

This rate of pay usually equals 3% of the homes total price which will be added on to your monthly mortgage payments. Your mortgage broker or lender will typically never inform you of these charges and the actual amounts are buried in the loan documentation. The wholesaler of the loan will give a bonus to mortgage lenders and banks who charge as high of an interest rate that they can.

It is Possible to Refinance your Home at a Wholesale Mortgage Rate

The smart homeowner who realizes and knows how to recognize a yield spread premium can usually avoid paying unnecessarily high markups on their interest rate. The best way for you to do this is by negotiating with mortgage lenders and brokers to get the lowest rate possible. There is already closing costs and fees the broker or lender will profit on and the yield spread premium is not needed and taking money away from you for no reason.

Refinancing a home mortgage can be a very financially wise move to make. However, basic research on potential lenders and brokers, along with patience and simple negotiating can easily save you hundreds of dollars every single month. Refinance now and see the benefits next month.

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Dan The Mortgage Man - 1% Loans & NegAm

Mortgage Expert Dan 'the mortgageman' Foster explains the risks of Negative Amoritization Loans and why the 1% Interest Rate offers that fill your mailbox are not what they seem - BUYER BEWARE - Originally broadcast live on Good Day Sacramento



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Who Killed Mervyn's?: "No One at Mervyn's Did Anything Wrong, 18000 Families, Their Lives Shattered, b/c of Decisions Made Private Equity Bankers 1000s of Miles Away"

Cerberus's and other investment groups (Sun Capital Partners and Lubert-Adler Real Estate Funds) direct role in destroying Mervyn's and the lost of 18000 American Jobs because of their desire to make a fast financial buck.



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How About Bad Credit Mortgage Refinance?

Bad credit refinance has allowed me to bring my credit rating to what it is today. I fell on hard times a few years back because I had lost my job and it seemed that the more that I struggled to get by the worse it had become. The stress of having all of those unpaid bills was maddening until I discovered about bad credit mortgage refinance.

I couldn't sleep and I couldn't even have a quiet moment to myself because once I did all of the stresses of my money situation would creep into my head. I soon decided that enough was enough. I had to do something about this because hanging on and waiting for another well paying job to present itself was becoming less and less likely.

Every time a bill collector had called about a bill that was past due they would say to me, "Mr. Walters, if you do not take care of this then it is going to reflect badly on your credit rating. You have a great score right now and this could leave a negative impact on it". Little did they know that my credit was not all that good. I finally had to give up I couldn't keep up with all of the bills payments anymore and many of them were paid extremely late. I wish I knew about bad credit mortgage refinance sooner.

When all of the dust had settled and I had found a pretty good job it was now time to rebuild my credit, and bad credit refinancing would help me do just that. The period before had left my credit in a bad state and I was very undesirable to lenders. This was really frustrating to me because all of my life I had a great credit rating and now I would need to build it up again. But build it up is what I did with the help of bad credit refinancing.

Bad credit mortgage refinance is an extremely effective way to rebuild your credit after you have fallen on hard times. Bad credit refinance helps you to pay off the loans and bills that you have accumulated so that you can start to get your credit in a positive position again. If it wasn't for bad credit refinance I wouldn't be able to reapply for a mortgage or get a loan for something such as a car.

It is extremely important to have good credit in this day and age and this is a way that can help you to rebuild it if you have affected it in a negative way. I am not saying that it's an easy way, but it is a feasible way to do it for sure. And you don't have as many options as you think.

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Easy Living Finance Home Equity Loans Special Leaked Video

A short introduction to the mortgage and finance services that Easy Living Finance offer, featuring Tony Harris, the managing director of Easy Living Finance www.easylivingfinance.com.au Easy Living For Everyone, home loans, mortgages, home equity mortgages, first home buyers, bad credit,...



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How To Lower Your Mortgage Refinance Rate

The aim of any property owner should be to get a low mortgage refinance rate. Many people do not understand the importance of getting a low rate. A refinance option helps only if it can make more savings compared to the previous mortgage. This is the reason you should always look for interest rate that is lower than what you paid on your first mortgage.

Refinancing implies that you take a second mortgage refinance on your home to finance education, for rebuilding and other activities. It is also a step taken when people are drowned by credit card bills and do not know what to do. Many homeowners believe that a second mortgage is a drastic step - to be taken only when you are acutely short of cash. This is not true. A refinance is also a good option when you think you can save more on a new mortgage.

Influencing Factors

You need to take into account certain factors that influence the mortgage refinance rate. The first is the amount of time you intend to spend in your present home. If you plan to move soon, then this is not the best option for you.

The right interest rate will help you save on taxes as well. The lower your interest rate, the more you save on tax. Therefore, try to structure the loan so that you pay less in taxes.

The Right Lender

When looking for low rates, it is crucial that you select the right lender. Do not go for the first plan that you see. Many lenders do not deal with borrowers who have a poor credit history. Also remember that many lenders specialize in giving loans to people with poor credit record, in order to bail them out of financial crises.

If your previous mortgage and other loan repayments have been irregular, then it will show on your credit record. Therefore, you may need to pay a high mortgage refinance rate; because some lenders may feel they are running a risk by doing business with you.

This is why it becomes more important for you to find a lender ready to do business at a lower rate. You can take the help of a broker to find you a lender like that. A broker can also act as your financial advisor and help you find a deal that goes in your favor.

With proper planning and a careful search, you should be able to find a mortgage refinance rate that suits your long-term financial plans.

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Find the Best Mortgage Refinance Companies

There are very many mortgage refinance companies in the world today. You can choose from private companies or public companies. You will find that one type of such companies will have the backing up of a bank. Financial institutions have also been known to be joining the mortgage refinancing sector. You might be having a problem when finding such companies.

The process to get one of the good mortgage refinance companies is illustrated below. Research would be the first step. Of the companies that are in your area, find out which of them have had the least number of disagreements with their clients.

A company that has had very few disagreements is a company that one can trust. It means that they are serious about their business and they give their clients satisfaction. You can also check their duration in the business. Due to the high level of cons that have been happening all over, it would be prudent to choose a company that has been in business for several years at least.

This will give you security when you are dealing with them. It also means that they have been in the business long enough to able to know the pros and cons of the business. The mortgage refinance companies that have been in the business for long have a higher chance of having the best interest rates in the market.

Alternatively you can inquire from close relatives and friends on which mortgage refinance companies they have used. Having had first hand experience with a company, a relative or a friend can be able to direct you on the do's and don'ts of mortgage refinancing.

They can be able to tell you of their experience with certain companies this can help you in saving time that one would use to physically find out for themselves the history of a certain company. They may also warn you on companies that they have had a bad experience with. Another method that one can find a mortgage company is through the internet.

There are very many online mortgage companies that can be found on the internet. From these sites you will be able to find which companies will work best for you. You can contact them and inquire with a few questions before you make up your mind. Online refinance companies are easier to research as they are on the internet and in a few hours you will have gotten one that suits you.

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Second Mortgage

Second mortgage is a good option to go for if interest rates drop to below the rate you currently pay. In order to understand the concept of second mortgage better, let's compare it with first mortgage.

The first loan you get in lieu of property is the first mortgage, whereas a second mortgage, or refinance, is taken when you yet have money to be repaid towards your first mortgage. For instance, if you have purchased a house for $50,000, for which you have already paid $25,000, you are already a part-owner of the home. Therefore you are eligible to take out a second mortgage on the part of the house you own for $25,000. Refinancing is a relatively faster process when compared to a first residential mortgage. There are many factors that may drive you towards going in for a second mortgage. Let's examine some of them.

Sometimes, the rates of interest at which you are repaying your loan may be more than the current rate in the market. Thus you may want to go for a fresh loan at those rates to repay the remaining amount. You can also go for refinancing if you already have an adjustable rate mortgage and there are indications are that interest rates may go up in the near future. Going for a refinance at this stage may ensure that you enjoy the benefits of the current rates even if the market rates go up.

But you must keep a few things in mind before taking out a second mortgage: first of all, negotiate hard. This should be done in order to pay relatively lower fees when compared to your first mortgage. The second mortgage should not just ensure that your monthly payment is reduced, but also ensure you are able to add to your savings.

Second mortgages can be a good option to reduce payment on your first mortgage; however, you must be careful that you will in fact obtain a lower rate by carefully researching the current trends in mortgage lending.

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Mortgage Refinance Rates, Calculators, Local Mortgage Brokers Auto Loans - Cheap Quotes On Auto

DEBT CONSOLIDATION LOANS Bad Credit Debt Consolidation Bills and debts getting a little out of hand? Lower your monthly payments by consolidating them into one low payment. You can consolidate anything. Credit cards, car loans, personal loans, second mortgages anything and everything! We...



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Refinance vs Home Equity Loan

If you find yourself in need of a large sum of money for some reason, you may be considering using the equity in your home by either doing a cash-out refinance or getting a home equity loan in order to gain access to the money you need.

With the federal government beginning to slowly lower interest rates, you may be wondering if you should do a cash-out refinance in order to get that lower interest rate as well as gain access to the money you have in equity. This may be a tempting situation, but a lower interest rate is only one of the things that you should take into consideration.

When you refinance your home, you are taking out an entirely new mortgage. You use this new mortgage in order to pay off your original mortgage. In the case of a cash-out refinance, you borrow more on your home than the original mortgage balance, using your equity as collateral. You can then use the money left over after the refinance is completed to do anything you'd like. You can pay off credit cards, take a vacation, make home improvements, etc.

There are drawbacks to cash-out refinancing. First of all, your mortgage balance will be bigger and will most likely be extending your loan term. Mortgages are written with either 15 year or 30 year terms. If you only have 8 years before you pay off your mortgage, refinancing to even a 15 year mortgage is nearly doubling your loan term.

There are also considerable fees involved when you refinance. It would be worth your time, and sometimes a great deal of money, to find the best deal on fees that you can find.

With a home equity loan you are using the equity in your home as collateral on a loan. Home equity loans can be for a set amount or you can get a home equity line of credit, which is an open-ended loan that can be used just as you would use a credit card, keeping in mind that when you use that line of credit, you are using the equity in your home.

Home equity loans are easier to get than a refinance, especially if you have bad credit. The interest rate is also usually lower than a refinance, and the payments sometimes qualify as being tax deductible.

No matter whether you choose a cash-out refinance or a home equity loan, be sure to do some research on the companies you are considering working with. The best way to choose a good company to work with is to ask your friends, family and coworkers for recommendations. Ask not only about the process itself, but about how they were treated by the people they were working with. Were they rushed into decisions, or did they feel that they were given good information so that they could make the final decisions themselves? Remember that you are the customer, and when you are taking a large amount of money out against your home, you shouldn't be rushed into anything.

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Average Mortgage Rates Changing Refinance Decisions?

Average mortgage rates have been quite volatile over the last few weeks. There have been single days in which rates changed as much as .75%. Unfortunately, many of these days have been to the upside. Now that the 10 year treasury rate has pulled back from 4% and has started to stabilize it has done the same thing for home loan rates. The problem that we are now seeing is that the sentiment of current home owner is fear.

Home owners have seen mortgage rates all over the map and they are very reluctant to go through with the application process they see no consistency in rates. Unfortunately, this is going to make the lending industry even harder. Many of the applications that were being reviewed when mortgage rates were at all time lows are now being re-reviewed because rates shot up so quickly. If these applications cannot find funding, we are going to see a traffic jam of applications waiting to be reviewed.

If you were considering going through the refinance process it would be advisable to get a very up to date appraisal and make sure that you are going to save enough money to pay the closing costs and administrative fees. If you are not going to save a full percentage point on your current mortgage, it might not be worth it to go through the refinance process, especially now. Lenders are doing everything they can to make money, as the economy is horrible, so please realize that even if you are quoted at a low rate, you will still have to pay closing costs.

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Canadian First Time Home Buyer Guide - Part 2 - Bello Mortgage Corp

Click here for Part 1: www.youtube.com As the founder of Bello Mortgage, let my 11 years of experience and hundreds of resources find the best mortgage for you. The Canadian First Time Home Buyer video gives new home buyers the basics on what they should be expecting when they look to buy and finance their new home. This 2 part video looks at: -Application Process -Difference between Pre-approval and Approval -Different types of mortgages -Downpayment -Financing availability -Closing costs Click on the website for more. Free Legals, Appraisals & Bonus Offer if you state you found Bello Mortgage through YouTube. For more information or to receive our Free Newsletters, visit: www.mortgagespecialist.ca or call 604.303.9000 and talk to Pedro



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Refinance Mortgage Lenders - Finding The Best Refinance Lender

Finding a good lender to refinance your mortgage can be almost as important a decision as the actual mortgage you choose.  In order to make a wise selection of a refinancing lender you should do four things:

1. Know the objective of your mortgage refinance

Do you want to lower your current interest rate?  Generally, refinancing your mortgage can be profitable if your current mortgage is 2% higher than the prevailing rates.  Do you want to move from an adjustable rate mortgage (ARM) to a fixed rate mortgage?

If interest rates are creeping up this may be a good idea.  Do you want to shorten the term of your mortgage to accumulate value more quickly?  Do you want to take cash out of your home's equity?  The mortgage refinance lender you pick will want to know your reason for refinancing so that the appropriate mortgage product can be chosen.  You will also want to be aware of your credit score and the terms of your current mortgage.

2. Know the different types of mortgage refinance lenders and the different types of mortgage refinance products that are available

Just like when your home's mortgage was originally financed, there are a variety of lenders who can refinance your mortgage:  Banks, credit unions, mortgage companies.  There are also brokers who will find a variety of lenders for you.  You should be aware, however, that unless specifically contracted to do so a mortgage broker does not have to find the mortgage refinance package that might be the best for you.

Refresh your knowledge of the mortgage financing vocabulary.  Be fluent with terms such as interest rate, point and prepayment penalties.  Also, most newspapers publish a daily listing of current interest rates for different types of mortgages.  Become familiar with these listings and check them on a daily basis.

3. Shop around and find several different lenders to refinance your mortgage

The market for refinancing mortgages has become so crowded and competitive that it is fairly easy to find several lenders to compare.  You might use a broker.  The newspaper and the yellow pages are also good places to start.  If you are comfortable negotiating the Internet, it is an excellent resource.  There are many services online which will perform a preliminary search for a lender.  Your current mortgage lender should also be included in this group.

4. Negotiate the mortgage refinance loan that suits your needs

Many times the compensation a lender makes on refinancing a mortgage is dependent on the terms of the mortgage so it is up to you to make sure that the loan received is the most advantageous for you.

You might want to investigate mortgage refinance lenders who offer no closing cost loans or free appraisals.  It is important to make sure that you are comparing like products.  In order to do this, have your lender present proposals in writing and require ample time to compare the different offers.

Prepare a list of the features of each loan.  The type of loan, interest rate, points, prepayment penalties, closing costs are a few of the loan elements which should be compared.  Check the rate you are being offered against the rates from the most current newspaper listings.  The more organized, thorough and knowledgeable you are, the better your decision will be.

Deciding to refinance your mortgage is an important choice that should not be made lightly.  Know why you are doing it.  Know the possibilities for refinancing lenders and products that are available.  Be willing to shop amongst the different lenders and to negotiate a beneficial deal.  If you follow these steps, finding a good mortgage refinance lender will be much easier.

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New Second Mortgage Modifications

www.cambridge-credit.org -- President Obama recently announced that his housing initiative was ready to expand to include second mortgage modifications. The Administration believes that ensuring a homeowners ability to stay in their home is critical to stabilizing the housing market. Once thats achieved, the logic is that the overall financial system will recover in turn. Watch this week's webisode from Cambridge Credit Counseling Corp. to learn more. Host Community Outreach Director, Thomas J. Fox.



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California First Time Homebuyer - Bad Credit and Low Down Payment

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Mortgage Refinancing Guide 101

Mortgage refinance or a refinanced mortgage is one in which a borrower pays-off a previous loan with a new loan. The benefits of doing this are low interest rates, lowering of payments or taking out of cash out of their home equity.

Due to the advantages, this mortgage is really coming up these days. Mortgage refinance allows a homeowner to lower his or her existing monthly mortgage payments or make the loan terms more favorable. You can also extend the term of your mortgage and reduce your monthly repayments. Mortgage refinance is also a wonderful way to consolidate your debts. You can consolidate your credit card/s and personal loan debts into your mortgage. This saves handsome amount of money in the long run. Homeowners also get to benefit from a lower refinancing rate by freeing up cash that can be used on much crucial expenses. So if you wish to save and earn then mortgage refinancing is just the right choice.

Mortgage refinancing is largely used to consolidate credit card and personal loan debt because a mortgage is available at a lower interest rate than the interest rate paid on credit cards and personal loans.

Once you consolidate your debt you will just have to make one payment rather than several payments every month. As a result most often you end up paying less money per month than what you are currently spending. This enables many people to manage their finances in a more systematic way.

Prior to applying for a mortgage refinance loan, there are several important things to be borne in mind. At first you should be confident and sure of your step in this direction. Mortgage refinance has long-term benefits; don't expect returns in just couple of days. The interest rate of the second mortgage depends on the program that you have opted for. If it is a fixed interest rate loan, the interest rate remains the same or fixed throughout the time you have (don't repay) the loan. If you go for the adjustable rate mortgages known as ARMs, it is important that you keep a track of and understand how your interest rate changes from time to time. You must study carefully that how the company is changing the interest rates and the criteria which it is following. Make a careful assessment of what future changes are expected and whether there are any limits on how much the interest can fluctuate.

The duration of the second mortgage varies with the requirements of the person concerned. You must take help of the mortgage refinance company and ask what duration of loan will best suit your case. Mortgage refinance loans can be from one year to twenty years. Don't forget that the shorter the duration of the loan, the greater will be the monthly installments. But on the same hand a refinance for a shorter duration can result in some savings while one for longer duration will not.

To know your savings through mortgage refinance, keep a close eye on the market to find out the existing rates and other costs associated with refinancing. To calculate the amount of time it will take to recover the costs of refinancing, divide your closing costs by the difference between your new and old payments.

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Bad Credit - Mortgage Refinance Is Not Impossible

You may believe that if you have bad credit, mortgage refinance is something your mortgage company considers impossible. You may think this because you are embarrassed and feel guilty about getting into financial trouble. You may just be surprised though. Your mortgage company may very well be willing to help you out of your bad situation since interest rates have recently plummeted to an all time low.

All they want is their money and if they have to agree to take a little less in interest paid they are willing to do that. They do not want to have to start foreclosure proceedings because they will never get any thing close to what the house is worth if it goes to auction. If, for some reason, the house does not sell then they will have to sit on it and lose more money everyday.

So, take the time to ask if you would qualify for a bad credit mortgage refinance. You could end up saving hundreds of dollars off your current monthly mortgage payment because interest rates are a lot lower these days.

Although your lender will not make this decision lightly you can get them to refinance your mortgage even though it is risky for them. Your mortgage company is going to look at your current income level, your income to debt ratio, and your current credit score before they make their final decision.

The interest rate you end up paying may be lower than what you are paying now but not as low as someone with good credit would pay. This is understandable. The mortgage company will also want to make sure that they are protected and you will have to provide multiple papers to prove you can make even these smaller payments. You also may have to escrow your property taxes and home owner's insurance which could make your monthly payment even higher than it was to begin with.

You can rest assured though, to know that your property taxes and home owner's insurance is getting paid. If you have been paying your home owner's insurance all along and you can prove it, your mortgage company will adjust your monthly mortgage payment amount accordingly.

It is possible that after all is said and done, your mortgage company will decline your application for refinance. What do you do then? Well, be prepared for the impending foreclosure proceedings to begin. Foreclosure can take as long as up to a year to become final and you have to move out, so you do have some time to get things under control.

At this point you need to take a good look at your finances and your options and probably make some tough decisions. If it comes down to you having to give up the house because you can no longer make the payments, you need to gather up as much money as you can to find a rental. Your life will definitely change if your mortgage company declines you for a bad credit mortgage refinance.

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Dennis Lockhart on accepted mortgage-credit crisis - PART 2

Dennis P. Lockhart (born February 1, 1947) is President and CEO of the Federal Reserve Bank of Atlanta. He assumed office on March 1, 2007. From 2003 to 2007, Lockhart served on the faculty of the Master of Science in Foreign Service Program at Georgetown University's Walsh School of Foreign Service. He also was an adjunct professor at Johns Hopkins University's Paul H. Nitze School of Advanced International Studies. From 2001 to 2003, Lockhart was managing partner at the private equity firm Zephyr Management, LP Prior to this position, he worked for 13 years at Heller Financial, where he served as executive vice president and director of the parent company and as president of Heller International Group. Lockhart held various positions, both domestic and international, with Citicorp/Citibank (now Citigroup) between 1971 and 1988. Early in his career with Citibank, he served in Saudi Arabia, Greece and Iran. From 1978 to 1986, he served in Atlanta as senior corporate officer of the Southeast office of Citibank. From 1987 to 1988, he was head of the firm's Latin American debt-to-equity swap investment program. He was also a member of the board of directors of several companies Lockhart earned his BA from Stanford University in 1968 and his MA from the Johns Hopkins University School of Advanced International Studies in 1971. 9/10/2007



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